Our Roots: From the Farm to Finance

Joel M. Oney grew up on a dairy farm in North Central Ohio, where he first learned the values of integrity, hard work, and doing things right. This agricultural foundation led him to a distinguished 25-year career in banking leadership and specialized lending. Today, he utilizes that expert-level knowledge to advocate for his clients, ensuring they have the capital needed to build their own legacies.

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Our Mission

Connecting People with Capital

Founded in 2019, J Money LLC is a tech-enabled financial services firm designed to create a positive impact for people and a profitable return for our partners. We have evolved from a specialized Rent-to-Own provider into a diversified capital brokerage

FarmerFi: Leveraging decades of banking experience to provide specialized lending and advisory for farmland purchases, refinances, and Farm Equity Lines of Credit (FELOC).

Contractor Partnerships: Helping builders and manufacturers Make Craftsmanship Affordable through streamlined customer payment plans.

Consumer Direct Lending: Empowering homeowners and borrowers with the “Cash Buyer Advantage” for tiny homes, accessory buildings, and major life purchases and improvements.

The “ReDeveloper” Spirit

Beyond finance, Joel is a dedicated “ReDeveloper” with a passion for bringing neglected historic structures back to life. “America is a nation of small towns”, and Joel believes this rich history is worth preserving.

Community & Commitment

Joel remains deeply involved in his community, serving as President of the Ohio 4-H Foundation Board of Trustees. Residing in the Columbus area, he continues to seek out innovative ideas and exciting projects that create financial depth and meaningful growth for the next generation of entrepreneurs.

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